Debt Consolidation Advisors

Ohio Debt Relief Laws

Ohio does not have a state fair debt law, however consumers who have been victimized by debt collectors should refer to federal Fair Debt Collection Practices Act (FDCPA). Important rules include:

Collectors cannot use inappropriate or obscene language or make threats

Calls must be made between 8am and 9pm unless you specify otherwise

Calls made to you at work cannot be made if your employer disapproves

Debt collectors cannot correspond with debtors via postcard or use an envelop that indicates its from a collections agency

If you send a cease and desist letter via mail, the collector cannot contact you again except to tell you they are taking legal action against you

During communication (whether in person or by phone) creditors must state his name and not misrepresent who he works for (i.e. cannot say he is a cop or an attorney)

The debt collection agency cannot imply that you’ve committed a crime or threaten to sell your debt in an attempt to collect

You cannot be contacted by a debt collector if you are being represented by an attorney

If a Ohio consumer has been a victim of debt collection abuse or if the collection agency has violated the law, debtors can turn to the Fair Debt Collection Practices Act (FDCPA) for legal action. A successful suit may result in damages of up to $1,000.

Ohio Statue of Limitations (SOL)

Ohio has a four-year statue of limitation (SOL) on open accounts such as credit cards, meaning that the creditor can contact you for up to four years. For written contracts creditors can also pursue you for up to 15 years. Consumers can consider Ohio debt settlement during the time the account remains open.